DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) Fundamental Analysis & Valuation

NASDAQ:DCOMP • US25432X2018

Current stock price

18.5 USD
-0.1 (-0.54%)
Last:

This DCOMP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. DCOMP Profitability Analysis

1.1 Basic Checks

  • In the past year DCOMP was profitable.
  • DCOMP had a positive operating cash flow in the past year.
  • DCOMP had positive earnings in each of the past 5 years.
  • DCOMP had a positive operating cash flow in each of the past 5 years.
DCOMP Yearly Net Income VS EBIT VS OCF VS FCFDCOMP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • DCOMP has a Return On Assets of 0.66%. This is in the lower half of the industry: DCOMP underperforms 74.74% of its industry peers.
  • With a Return On Equity value of 6.88%, DCOMP is not doing good in the industry: 71.05% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.66%
ROE 6.88%
ROIC N/A
ROA(3y)0.48%
ROA(5y)0.67%
ROE(3y)5.18%
ROE(5y)7.17%
ROIC(3y)N/A
ROIC(5y)N/A
DCOMP Yearly ROA, ROE, ROICDCOMP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 22.41%, DCOMP is not doing good in the industry: 62.89% of the companies in the same industry are doing better.
  • DCOMP's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for DCOMP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.41%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.27%
PM growth 5Y-0.35%
GM growth 3YN/A
GM growth 5YN/A
DCOMP Yearly Profit, Operating, Gross MarginsDCOMP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. DCOMP Health Analysis

2.1 Basic Checks

  • DCOMP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • DCOMP has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for DCOMP has been increased compared to 5 years ago.
  • Compared to 1 year ago, DCOMP has an improved debt to assets ratio.
DCOMP Yearly Shares OutstandingDCOMP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
DCOMP Yearly Total Debt VS Total AssetsDCOMP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of DCOMP is 1.49, which is an excellent value as it means it would take DCOMP, only 1.49 years of fcf income to pay off all of its debts.
  • DCOMP has a Debt to FCF ratio (1.49) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that DCOMP is not too dependend on debt financing.
  • DCOMP has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: DCOMP outperforms 46.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.49
Altman-Z N/A
ROIC/WACCN/A
WACC18.24%
DCOMP Yearly LT Debt VS Equity VS FCFDCOMP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
DCOMP Yearly Current Assets VS Current LiabilitesDCOMP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. DCOMP Growth Analysis

3.1 Past

  • DCOMP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 74.00%, which is quite impressive.
  • DCOMP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.86% yearly.
  • The Revenue has grown by 44.20% in the past year. This is a very strong growth!
  • DCOMP shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.20% yearly.
EPS 1Y (TTM)74%
EPS 3Y-11.22%
EPS 5Y0.86%
EPS Q2Q%88.1%
Revenue 1Y (TTM)44.2%
Revenue growth 3Y2.71%
Revenue growth 5Y20.2%
Sales Q2Q%131.09%

3.2 Future

  • The Earnings Per Share is expected to grow by 31.04% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, DCOMP will show a quite strong growth in Revenue. The Revenue will grow by 16.84% on average per year.
EPS Next Y35.96%
EPS Next 2Y31.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.18%
Revenue Next 2Y16.84%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
DCOMP Yearly Revenue VS EstimatesDCOMP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
DCOMP Yearly EPS VS EstimatesDCOMP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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8

4. DCOMP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.09 indicates a rather cheap valuation of DCOMP.
  • Compared to the rest of the industry, the Price/Earnings ratio of DCOMP indicates a rather cheap valuation: DCOMP is cheaper than 95.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, DCOMP is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 5.21, the valuation of DCOMP can be described as very cheap.
  • DCOMP's Price/Forward Earnings ratio is rather cheap when compared to the industry. DCOMP is cheaper than 96.58% of the companies in the same industry.
  • DCOMP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.51.
Industry RankSector Rank
PE 7.09
Fwd PE 5.21
DCOMP Price Earnings VS Forward Price EarningsDCOMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, DCOMP is valued cheaply inside the industry as 92.63% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.45
EV/EBITDA N/A
DCOMP Per share dataDCOMP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as DCOMP's earnings are expected to grow with 31.04% in the coming years.
PEG (NY)0.2
PEG (5Y)8.2
EPS Next 2Y31.04%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. DCOMP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.07%, DCOMP has a reasonable but not impressive dividend return.
  • DCOMP's Dividend Yield is comparable with the industry average which is at 2.78.
  • DCOMP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.07%

5.2 History

  • The dividend of DCOMP has a limited annual growth rate of 3.43%.
  • DCOMP has been paying a dividend for over 5 years, so it has already some track record.
  • DCOMP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.43%
Div Incr Years0
Div Non Decr Years4
DCOMP Yearly Dividends per shareDCOMP Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 49.47% of the earnings are spent on dividend by DCOMP. This is a bit on the high side, but may be sustainable.
  • DCOMP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP49.47%
EPS Next 2Y31.04%
EPS Next 3YN/A
DCOMP Yearly Income VS Free CF VS DividendDCOMP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
DCOMP Dividend Payout.DCOMP Dividend Payout, showing the Payout Ratio.DCOMP Dividend Payout.PayoutRetained Earnings

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DCOMP Fundamentals: All Metrics, Ratios and Statistics

DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP

NASDAQ:DCOMP (3/26/2026, 8:14:42 PM)

18.5

-0.1 (-0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-20
Inst Owners86.92%
Inst Owner ChangeN/A
Ins Owners3.15%
Ins Owner ChangeN/A
Market Cap812.34M
Revenue(TTM)452.93M
Net Income(TTM)101.50M
Analysts81.82
Price Target23.34 (26.16%)
Short Float %0.03%
Short Ratio2
Dividend
Industry RankSector Rank
Dividend Yield 3.07%
Yearly Dividend1.15
Dividend Growth(5Y)3.43%
DP49.47%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.03%
Min EPS beat(2)-12.72%
Max EPS beat(2)8.66%
EPS beat(4)2
Avg EPS beat(4)-1.69%
Min EPS beat(4)-12.72%
Max EPS beat(4)8.66%
EPS beat(8)3
Avg EPS beat(8)-4.91%
EPS beat(12)5
Avg EPS beat(12)-6.15%
EPS beat(16)7
Avg EPS beat(16)-4.02%
Revenue beat(2)0
Avg Revenue beat(2)-1.55%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)-0.61%
Revenue beat(4)1
Avg Revenue beat(4)-1.91%
Min Revenue beat(4)-6.15%
Max Revenue beat(4)1.61%
Revenue beat(8)3
Avg Revenue beat(8)-6.97%
Revenue beat(12)3
Avg Revenue beat(12)-6.26%
Revenue beat(16)7
Avg Revenue beat(16)-2.76%
PT rev (1m)8.35%
PT rev (3m)10.26%
EPS NQ rev (1m)-0.26%
EPS NQ rev (3m)3.11%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.08%
Valuation
Industry RankSector Rank
PE 7.09
Fwd PE 5.21
P/S 1.79
P/FCF 4.45
P/OCF 4.35
P/B 0.55
P/tB 0.62
EV/EBITDA N/A
EPS(TTM)2.61
EY14.11%
EPS(NY)3.55
Fwd EY19.18%
FCF(TTM)4.15
FCFY22.46%
OCF(TTM)4.25
OCFY22.97%
SpS10.31
BVpS33.61
TBVpS29.99
PEG (NY)0.2
PEG (5Y)8.2
Graham Number44.43
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 6.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.41%
GM N/A
FCFM 40.28%
ROA(3y)0.48%
ROA(5y)0.67%
ROE(3y)5.18%
ROE(5y)7.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.27%
PM growth 5Y-0.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.49
Debt/EBITDA N/A
Cap/Depr 431.21%
Cap/Sales 0.91%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 179.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC18.24%
ROIC/WACCN/A
Cap/Depr(3y)456.93%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.51%
Cap/Sales(5y)N/A
Profit Quality(3y)236.73%
Profit Quality(5y)213.28%
High Growth Momentum
Growth
EPS 1Y (TTM)74%
EPS 3Y-11.22%
EPS 5Y0.86%
EPS Q2Q%88.1%
EPS Next Y35.96%
EPS Next 2Y31.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)44.2%
Revenue growth 3Y2.71%
Revenue growth 5Y20.2%
Sales Q2Q%131.09%
Revenue Next Year21.18%
Revenue Next 2Y16.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y96.59%
FCF growth 3Y-14.46%
FCF growth 5Y33.98%
OCF growth 1Y88.34%
OCF growth 3Y-14.18%
OCF growth 5Y31.53%

DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP / DCOMP Fundamental Analysis FAQ

What is the ChartMill fundamental rating of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) stock?

ChartMill assigns a fundamental rating of 4 / 10 to DCOMP.


What is the valuation status for DCOMP stock?

ChartMill assigns a valuation rating of 8 / 10 to DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP). This can be considered as Undervalued.


What is the profitability of DCOMP stock?

DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for DCOMP stock?

The Price/Earnings (PE) ratio for DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) is 7.09 and the Price/Book (PB) ratio is 0.55.


How sustainable is the dividend of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) stock?

The dividend rating of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) is 5 / 10 and the dividend payout ratio is 49.47%.